Money

Tips and discussions about saving money and discounts, generating extra income, financial planning, working from home, and more.

Struggling 😩

I’m a stay at home mom for almost three months now and I decided to get a job while being stay at home mom. How can I find a job that suitable for stay at home moms? Any advices?

  • Kaitlyn
    Today

    I'm becoming a financial advisor through a company called primerica and I make my own schedule! So I stay home with the kiddos and on my finance’s days off I leave for about 3 hours

  • Gretta
    7h ago

    I'm starting an in-home child care. Right now I'm not yet certified, so I'm just watching family, but I'll add on a couple more kids once I get my certification, and I should be making around $1300/ mo. Not a lot, but not bad considering it's just a supplemental income and I get to stay home with my kids AND give them all the attention they need!

Anonymous posted in Money Oct 10

Work from home

My husband and I have been really strapped for money lately. I’m a stay at home mom and I’m trying to find a way that I can financially contribute. Do you guys know of any jobs that are work from home that I can do during by baby’s naps/after she goes to bed?

  • Elle
    Oct 10

    Also, maybe you can baby sit kids in your neighborhood? Or walk dogs while wearing baby?

  • Alexis
    Oct 10

    The work at home summit has several speakers that give good ideas on work you can do from home, some with little to no upfront investment.

Ameena posted in Money Oct 09

Work from home???

Hey do any of you have experience working as a freelancer on “upwork” or “peopleperhour” I want to see what I can do on them to make extra money at home. If so any tips or requirements that I should know before I try it out? Any ideas to make money from home will also be appreciated. Thank you.

LilLaeLou posted in Money Oct 04

My mom just started planning a birthday party for my daughter, who will be five.

Her birthday is two weeks away...Any ideas that won't break the bank? TIA!

  • LilLaeLou
    Oct 05

    Thank you all so much! These are good ideas. There is no theme yet - she likes everything. And my mom has pretty much settled on going to a park, and there will be family and 2 or 3 friends from school.

  • Anonymous
    Oct 06

    Do a potluck so you don't have to drop a ton of money on food

Anonymous posted in Child Care Oct 03

Family sitter

How much would y’all pay your parent to baby sit ?

  • Savanah
    Oct 09

    For full time care I would say It depends on your own financial means and if there is a price she prefers. I know some that spend nothing for full time care and others who pay as much as $450 a week.

  • Anonymous
    Monday

    I pay my mom $1,000 a month (4 days a week) and she sleeps on my house 2 days a week and we cover all food etc when she’s here. I feel like this is an amazing deal for a grandma but my mom acts like she’s getting the short end of the stick.

Anonymous posted in Money Oct 02

Any advice/tips on re-entering the job market after being a sahm for almost 3 years?

Hi moms. I've been a sahm for nearly 3 years. We recently started sending our daughter to preschool and now I'm looking to re-enter the job market. My previous experience is over 7 years in digital and eCommerce marketing but most of the positions I find are further than what I am willing to commute. And the few positions I do find I feel that I am considered out of date. I'm now co... More

  • CM
    Oct 06

    not to mention most jobs are daytime schedules so you can definitely start a 8am-4pm shifts

  • Jennifer
    Oct 08

    I was a SAHM for 9 years with my first two kids. After our third I decided to get my CNA license which was fairly easy to get. I work PRN so I pretty much make my own hours. I work when it works for me. As far as what jobs are good for transitioning I’m not sure if there is a correct answer. I will say I always thought I’d hate not being home all the time but I’ve found I enjoy getting out of t... More

Anonymous posted in Marriage & Partnership Oct 01

I dont think its fair I contribute 50%.

I've been engaged for almost 2 years and we have a 1 year old son. My fiance works full time and makes a comfortable amount of money. I'm home all day and work only on the weekends. In my opinion that's me working 7 days a week. We split the bills 50/50 but I'm almost out of my savings and don't make enough a month to continue paying half.... any suggestions? Also I come hom... More

  • Ali
    Oct 02

    In regard to the bills, the fairest way to figure this is to figure out your income to total income ratio. For example, you make $1k a month and total income is $4k.. you should be paying 25% and he should be paying 75%.. He will still have way more spending money than you. Show him the math and it is hard to argue unless he is just a jerk! http://www.mdmproofing.com/iym/weblog/2007/01/su... More

  • Kay
    Oct 03

    I don’t think it’s fair to do apples to apples. You should calculate the cost you’re saving in childcare and a cleaning service and have him deduct that from your bills and then pay you the difference, just to make a point 😬. Hope you guys get the finances worked out before marriage.

Amber posted in Money Sep 30

Financially set

I’ve been wanting to be a SAHM for some time now but I feel like we’d never be able to afford it. How do some of you stay at home and are able to afford it?

  • Jennifer
    Oct 09

    Track your spending for a month! See where things could possibly be cut to save money. Do you have a gym membership you haven’t used in months, could you do without the cable, etc. I stayed home for 9 years and we had a budget system. I now work PRN so I’m still mostly at home. For us if i where to work full time after paying child care I’d basically make what I do working PRN. This is a good ... More

  • Alexandra
    Sunday

    I second what Jennifer said! You have to be tracking your bills and monthly spending! That is key!

Ashley posted in Money Sep 27

Extreme couponing

Does anyone know how to extreme coupon? I want to learn and save money.

Anonymous posted in Child Care Sep 21

I wish America had better laws for mothers when it comes to maternity leave or babies.

My daughter wouldn’t take a bottle and tried everything to get her to accept one. I had to go on unemployment, but if your not able to go back to work you can’t receive unemployment. That’s not fair! I worked to be able to receive unemployment. But to say I can’t receive it while helping my daughter take a bottle or a syringe is ridiculous! They have no understanding of how babies work and brea... More

  • David
    Sep 28

    YES! And dad’s...

  • Lindsey
    Oct 10

    I hope in the future it will get better. Even if it’s much later where my kids are grown. I wouldn’t want our next generation to through what we are going through right now. Years ago you can live on 1 income. I work full time and husband works 2 jobs and we still struggle. During my pregnancy My last job they let me take up to 1 year off, unpaid but we saved enough for me to have 5mts. After m... More

Brittany posted in Money Sep 18

Starting a savings account?

My husband and I are wanting to start a savings for our daughter (2 months old). Is a regular bank savings good or should we look into another type of account? What gives the best interest/investment?

  • Eva
    Sep 21

    We opened both. We have a 529 account that we put money in on a monthly basis and also a savings account we plan to use during her formative years in school. She’s two now but once she gets older come all the soccer shoes, field trips and other costs associated with school.

  • Chloe
    Sep 26

    Excellent question but unfortunately neither are great options if you actually want to have a substantial amount of money saved in about 18 years. The interest/rates of return are extremely low. The best investment is a brokerage account made up of mutual funds that have interest rates averaging at least 6-8%. My husband & I used to contribute to a 529 plan before we knew better. Besides ha... More

Anonymous posted in Money Sep 12

How much do you typically spend on a 1 year old bday party? Is it better at home or rent a place?

  • Megan
    Sep 21

    We had a back yard BBQ for us and about 12 of our close friends. Got some balloons and a cake and everyone contributed drinks instead of gifts. So really, ribs for 12 people was our biggest expense. We’ve decided to forgo the huge bashes mainly because we enjoy parties where you actually get to spend time with the person you’re there to see. In the future we plan to keep it small but special.

  • Jessica
    Friday

    I’d love to laugh at those spending an incredible amount of money on their kid’s 1st birthday parties but in all honesty if I could afford a party with a planner etc, I totally would go all out! I’m a stay at home Mom and we just can’t justify that much money, on a single income family. $1500 is pretty much our mortgage! 😂 My sons bday was filled with Pinterest crafts, which turned out no one ... More

Anonymous posted in Money Sep 11

I really need some mommy advice

Some background info: I'm currently 21 years old, and I'm in my second year of college. I'm a pre-law student, so I still have a good 6-7 years of schooling ahead of me. So, my main issue is that I still live with my father (my son's father isn't in the picture). I really want to get a job and move out, but I feel like I wouldn't have any time left over to spend with my ... More

  • Allison
    Sep 14

    You are juggling a LOT. My advise to you is to focus on the bigger picture and longer term goals. If you really want to be a lawyer you need to make decisions that will enable you to reach that end goal. You are providing for your son. You are providing him with your attention and love...and that is what he needs more than what a few extra bucks will buy for him. I assume that with your da... More

Joan posted in Money Sep 10

Work at home with Newborn

I have a one month old and I’m returning to work on the 15th of September. I’m really sad about it. I’m scared to hire a baby sitter. Does anyone know what are the best work at home jobs that I can apply for?

Shelly posted in Money Sep 10

Does anyone know of any legit work from home jobs?

  • Christy
    Oct 07

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  • Christy
    Oct 07

    Also, I know a friend who sells Tupperware Brands from home.

Katt posted in Money Sep 10

Extra income

I’m a stay at home single mother with a three month old. We live with my mom who helps us but she doesn’t make a lot of money. I just filed for disability and now I’m waiting to get approved. I know the process is long and drawn out. My question is how do I make some money while I’m waiting that doesn’t involved babysitting. My baby has had some issues that has involved nicu and a surgery to co... More

  • Ivonne
    Sep 11

    You can try to selling old cloths on Poshmark. Or if you know a little about Quality Assurance or Tester for new apps you can sign up for Utest.com

  • Malana
    Oct 05

    If you have a B.A. You can become a VidKid teacher. Work as many or little hours a week and make $22 an hour! You would be teaching ESL to Chinese children. Don't need to know Chinese, they lessen plan for you and you pick your own hours. Great for SAHM!

Janine posted in Money Sep 08

I need extra income while staying at home

Any suggestions, please? 😩

  • Anonymous
    Oct 07

    Try searching reddit for r/workonline or if you have a BA you can try r/onlineESLteaching - there are a lot of options for working at home or teaching online (most part time jobs too).

Commuting/Working/ChildCare

I recently walked away from my 7 year career in Social Work to stay home with my 8 month old daughter. To supplement my families income I am a new In Home Child Care Provider. I am only accepting 3 children (Small ratios =More nurturing) What have been your struggles in finding quality child care?

  • Sabrina
    Sep 04

    Cost is the major issue, and hours.i had to rule one daycare option out because they weren't even open until 8 and closed at 5:30. Also some daycares have a high turn over rate of employees because the hourly pay is so little yet which is unnerving because it's such an important job.

  • Jenni
    Sep 05

    I remember being stressed and worried because we were on a long waitlist for a national chain daycare at my work when I had my first daughter. The cost, 8-5 or 5:30 hours of operation and varying degrees of care standards at other daycare centers near me were not ideal for out situation, so I felt I had only one choice with the waitlisted daycare. Thankfully, two days after I went back to work,... More

Saving for kid’s tuition?

How many parents are actually planning on paying for their child’s college tuition? I’m genuinely curious because it feels like I’m alone in not planning on paying for it 😅 please no judgemental comments. It’s not that I don’t care about their education, it’s that neither my parents nor my in-laws paid for my husband and my education, and I believe it means more to a person to earn their way.

  • Lauren
    Sep 14

    As a financial advisor, I am not committed to paying for my daughter's college. I can't take a loan out for my retirement so saving for ourselves is our priority. That being said, we are investing in life insurance so when we do pass, our child(ren) will have an significant inheritance, more than enough to pay off student loans. We are still saving what we can for our child, but our ... More

  • Allison
    Sep 14

    We are saving for our child's education. I can't control the extent to which she makes the most of this gift to her, but at least I know that we're putting our dollars towards what we deeply value in terms of helping her become a successful, independent adult. Being saddled with high student loan debt is no fun.

Maria posted in Money Aug 31

Looking for a job

I’ve recently been very unhappy at my current job and am frantically searching for a new job. I can’t just leave my current job because my finances & bills wouldn’t allow it. I need something part time with decent pay. Anyone have any ideas?

  • Caitlin
    Aug 31

    Hi Maria! I’d suggest reading “What Color is my Parachute?” and the $100 Start Up for inspiration.

  • Izabela
    Sep 01

    What is that??

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